When Manual Pentest Is Still Mandatory (BFSI, RBI)
For RBI-regulated entities — scheduled commercial banks, payment system operators, NBFCs above the ₹1,000 crore asset threshold, and Account Aggregators — the IT Governance Framework expects an annual third-party pentest by an empanelled auditor. SEBI's CSCRF carries similar expectations for market intermediaries. For these workloads automated VAPT is a continuous control on top of, not a substitute for, the annual manual engagement. If you are an SMB or pre-Series-B SaaS startup outside these direct mandates, automated VAPT alone typically satisfies customer security questionnaires, ISO 27001 auditors, and DPDP Act compliance reviewers.